Should I invest in Birla Sun Life Buy India Fund-Plan B(Growth)?

We don't give personal investment advice. Birla Sun Life Buy India Fund-Plan B(Growth) is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.4%. 5-year CAGR: 18.43%.

Birla Sun Life

Birla Sun Life Buy India Fund-Plan B(Growth)

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.56%	+0.06%	+0.50	64 / 299	Q1
1W	-1.02%	-3.61%	+2.59	212 / 303	Q3
2W	+0.36%	-4.52%	+4.88	119 / 303	Q2
1M	-6.55%	-5.64%	-0.91	235 / 302	Q4
3M	-0.42%	-4.27%	+3.85	151 / 302	Q2
6M	-8.08%	+1.48%	-9.56	228 / 307	Q3
YTD	-8.29%	-0.18%	-8.11	215 / 309	Q3
1Y	+0.13%	+7.10%	-6.97	188 / 307	Q3
2Y	+35.80%	+2.20%	+33.59	9 / 303	Q1
3Y	+23.99%	+0.76%	+23.23	13 / 264	Q1
4Y	+23.72%	+0.58%	+23.14	10 / 235	Q1
5Y	+18.43%	+0.02%	+18.41	11 / 208	Q1
7Y	+25.96%	+3.12%	+22.84	1 / 130	Q1
10Y	+13.41%	+7.20%	+6.21	9 / 68	Q1
Inception	+13.63%	+0.51%	+13.12	34 / 310	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2016 YTD	-8.29%	+1.07%	-9.36	82 / 88
2015	+14.38%	-3.94%	+18.32	2 / 99
2014	+62.02%	+34.59%	+27.43	11 / 133
2013	+7.30%	+0.03%	+7.27	25 / 154
2012	+43.98%	+23.57%	+20.42	16 / 190
2011	-24.22%	-23.68%	-0.54	130 / 241
2010	+23.64%	+11.69%	+11.96	32 / 256
2009	+90.08%	+65.86%	+24.22	43 / 238
2008	-50.67%	-52.86%	+2.19	50 / 198
2007	+37.26%	+42.91%	-5.66	87 / 137
2006	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+20.65%

108 windows

min -50.0% · max 123.9%

78% positive

3-Year rolling

+15.35%

84 windows

min -5.9% · max 35.8%

94% positive

5-Year rolling

+13.83%

60 windows

min 4.8% · max 24.8%

100% positive

7-Year rolling

+14.96%

35 windows

min 8.4% · max 27.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

17.65%

3-year · annualised

Sharpe ratio

0.95

vs risk-free 6.5%

Sortino ratio

1.66

Downside-only deviation

Max drawdown

-15.51%

May 2013 → Aug 2013

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
5 Feb 2016	₹90.9300
4 Feb 2016	₹90.4200
3 Feb 2016	₹90.3200
2 Feb 2016	₹90.9800
1 Feb 2016	₹91.6800
29 Jan 2016	₹91.8700
28 Jan 2016	₹90.4700
27 Jan 2016	₹90.7400
25 Jan 2016	₹90.6900
22 Jan 2016	₹90.6000

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Birla Sun Life Buy India Fund-Plan B(Growth) is a Growth from Birla Sun Life (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Buy India Fund-Plan B(Growth) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Birla Sun Life Buy India Fund-Plan B(Growth) is managed by Birla Sun Life. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Buy India Fund-Plan B(Growth) has delivered a absolute return of 0.13% — -6.97 pp behind the Growth category average of 7.10%. The fund ranks #188 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Buy India Fund-Plan B(Growth) has delivered a CAGR of 23.99% — +23.23 pp ahead of the Growth category average of 0.76%. The fund ranks #13 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Buy India Fund-Plan B(Growth) has delivered a CAGR of 18.43% — +18.41 pp ahead of the Growth category average of 0.02%. The fund ranks #11 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Buy India Fund-Plan B(Growth) exactly 10 years ago would be worth approximately ₹352,032 today — a multiplier of 3.52×, based on the 10-year CAGR of 13.41%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Birla Sun Life Buy India Fund-Plan B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹1,056,759 today. That's an XIRR (money-weighted annualised return) of 22.78%.

Birla Sun Life Buy India Fund-Plan B(Growth) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,745,378 — XIRR 20.50%.

On a 5-year basis, Birla Sun Life Buy India Fund-Plan B(Growth) ranks #11 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 18.43%.

The worst peak-to-trough decline Birla Sun Life Buy India Fund-Plan B(Growth) has experienced over the last 5-year window is 22.38% — its NAV fell from a high on 25 Jul 2011 to a low on 20 Dec 2011. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Birla Sun Life Buy India Fund-Plan B(Growth) averaged 13.83% (best 24.76%, worst 4.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2015, Birla Sun Life Buy India Fund-Plan B(Growth) returned 14.38% — beating the Growth category average of -3.94% by 18.32 pp. It ranked #2 of 99 in its category that year.

Birla Sun Life Buy India Fund-Plan B(Growth) doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Buy India Fund-Plan B(Growth) is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.4%. 5-year CAGR: 18.43%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.